Call report 2004Q4
BAY BANK & TRUST CO. — 2004Q4
The 22 measures BAY BANK & TRUST CO. reported to the FFIEC for 2004Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 267,623,000 | USD | evidence → |
| Total loans | 156,090,000 | USD | evidence → |
| Allowance for loan losses | 1,702,000 | USD | evidence → |
| Securities available for sale | 11,567,000 | USD | evidence → |
| Securities held to maturity | 3,305,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 242,099,000 | USD | evidence → |
| Interest-bearing deposits | 192,825,000 | USD | evidence → |
| Noninterest-bearing deposits | 49,274,000 | USD | evidence → |
| Equity capital | 23,624,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 9,497,000 | USD | evidence → |
| Interest expense | 1,896,000 | USD | evidence → |
| Net interest income | 7,601,000 | USD | evidence → |
| Noninterest income | 2,086,000 | USD | evidence → |
| Noninterest expense | 6,628,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 3,033,000 | USD | evidence → |
| Income tax | 56,000 | USD | evidence → |
| Net income | 2,977,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 23,674,000 | USD | evidence → |
| Total capital | 25,376,000 | USD | evidence → |
| Risk-weighted assets | 168,544,000 | USD | evidence → |